4 Jenbeck Ct · Spotsylvania Courthouse, VA 22407

$375,000

3 bd · 3.0 ba · 1,223 sqft · SingleFamily public records · 13 Days on market

Built 1986 $307/sqft · 8% below area Est $407k · 8% under ↓ 17% since listing

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +11.1/15.0
• Cash flow +7.2/30.0
• Schools +5.6/10.0
• Livability +3.5/5.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• DSCR +1.4/10.0
• 1% rule +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Wow! The sellers are motivated to sell and have offered a dramatic reduction in price. If space is what you need don’t let the square footage turn you away. This home provides a plethora of space for large families. Doublewide driveway for parking. Upstairs is 3 bedrooms, 2 baths lower level is 2 beds, 1 bath and an unfinished half that contains laundry and outdoor exit. There is plenty of light from the full size windows on both the front and back rooms in the lower level. From upstairs you will exit out onto a brand new deck perfect for entertaining. The large fenced-in backyard offers privacy and room to play. The extra large shed features loft storage. Beautiful landscaping in both the front and back yards. This one owner home has been well maintained and loved. It’s ready for its new owners with Fresh paint, carpet, and flooring throughout. Newer appliances with a home warranty paid for by the seller you will have a year of worry free peace of mind. Upgraded windows with a lifetime warranty add value and efficiency. No HOA means no extra fees. Located in the Riverbend School District in Spotsylvania County, this home is perfect for families looking for a comfortable and convenient living space. Don’t miss your chance to own this remarkable home that offers a blend of practicality and privileges, all in a community you’ll love! Schedule your private tour today and see for yourself what makes this property so special!

Key facts

• Large driveway
• Fenced yard
• Deck

Tags

• CUL-DE-SAC
• LARGE DRIVEWAY
• FENCED YARD
• DECK
• CURB APPEAL

Property features AI

Exterior

• Parking: Driveway parking; Two driveway spaces (total 2 garage/parking spaces)
• Utilities: Electric heating and cooling; Electric hot water; Water: Other
• Home design: Detached structure
• Construction: Metal siding; Concrete perimeter foundation
• Exterior features: Outbuilding(s); Fully fenced yard

Interior

• Kitchen: Electric oven/range; Refrigerator; Dishwasher
• Bedrooms: Three bedrooms on the main level; Two bedrooms on the lower level
• Bathrooms: Two full bathrooms on the main level; One full bathroom on the lower level (total of three full bathrooms)
• Heating & cooling: Heat pump heating and cooling; Electric hot water
• Interior features: Central vacuum; Partially finished basement
• Laundry & utility: Washer and dryer; Laundry located in the basement

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath single-family listed at $375k.

Deal economics

• At list price, monthly cash flow is $-513 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $284k (24.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $226k (39.7% below list).
• Recommended offer: $226k (39.7% below list) — sets the bar for 1% rule.
• Cap rate 4.7% vs local median 3.5% in Spotsylvania Courthouse — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 70/100 on livability (#228 in VA) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, schools A; Watch: cost of living C-, amenities F, commute F.
• Spotsylvania County Public School District (rural): math 54% / reading 71% proficiency, ranked #38 of 131 in VA (top 29%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+1.3%/yr); 320 active listings in the ZIP; 1 comparable units currently listed for rent nearby; high-income renter base; 707 units permitted in Spotsylvania County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
• Spotsylvania County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 2y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $226,198 (39.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.60% ✗
• Cap rate: 4.65%
• Cash-on-cash: -5.86%
• DSCR: 0.74
• GRM: 13.8

CMA / ARV

• ARV (median comp): $407,163
• List price: $375,000
• Delta: -7.90%
• Verdict: FAIR
• Comps: 7 within 2.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
844 Stonewall Ln	0.21mi	3/2.0	1,248 (+2%)	6mo	$375,000	$300	78
10906 Peach Tree Dr	0.28mi	3/2.0	1,224 (+0%)	8mo	$415,000	$339	76
922 Stonewall Ln	0.09mi	3/2.0	1,196 (-2%)	22mo	$375,000	$314	70
524 Halleck St	0.23mi	3/2.0	1,366 (+12%)	11mo	$399,000	$292	57
7936 Chancellor Rd	0.68mi	2/1.0 (-1)	1,241 (+2%)	4mo	$310,000	$250	50

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 1.3% rent growth · sell at horizon

5-year hold

• IRR: -28.0%
• Equity multiple: 0.07×
• Total profit: $-97,372
• Equity at exit: $55,914

10-year hold

• IRR: -33.7%
• Equity multiple: -0.36×
• Total profit: $-142,517
• Equity at exit: $32,423

Cash invested: $105,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 55 Moderately Landlord-Leaning
• State Virginia: 55 Moderately Landlord-Leaning · D+2
• County: — inherits STATE
• City: — inherits STATE

VRLTA gives some tenant protections; Northern Virginia courts slower; rural VA landlord-leaning.

Methodology + full state rankings →

ZIP-level market 22407

• Rents YoY: 1.3%
• Active inventory: 320
• Price-to-rent: 13.8×

Monthly cashflow live

• Estimated rent: $2,262 medium
• Mortgage (P&I): −$1,967
• Tax from tax record: −$177 /mo · $2,123/yr
• Insurance: −$156
• HOA: −$0
• Vacancy / Maint / Mgmt: −$475
• Net cashflow: $-513

Break-even live

Break-even rent $2,911

Max offer price $284,425

Occupancy floor —

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $93,750
• Closing costs: $11,250
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11508 Catharpin Rd Spotsylvania, VA	3.0	2.0	1128	$2,395	$2.12	5d	1	1.10mi

Listing history 10 events

1. 2026-06-04
   status $375,000 Pending 13 DOM
2. 2026-05-13
   listed $375,000 Active 985-char remark
3. 2025-02-03
   soldstatus $420,000
4. 2025-01-31
   soldstatus $420,000 Closed 1470-char remark

   Show marketing remark (1470 chars)

   Wow! The sellers are motivated to sell and have offered a dramatic reduction in price. If space is what you need don’t let the square footage turn you away. This home provides a plethora of space for large families. Doublewide driveway for parking. Upstairs is 3 bedrooms, 2 baths lower level is 2 beds, 1 bath and an unfinished half that contains laundry and outdoor exit. There is plenty of light from the full size windows on both the front and back rooms in the lower level. From upstairs you will exit out onto a brand new deck perfect for entertaining. The large fenced-in backyard offers privacy and room to play. The extra large shed features loft storage. Beautiful landscaping in both the front and back yards. This one owner home has been well maintained and loved. It’s ready for its new owners with Fresh paint, carpet, and flooring throughout. Newer appliances with a home warranty paid for by the seller you will have a year of worry free peace of mind. Upgraded windows with a lifetime warranty add value and efficiency. No HOA means no extra fees. Located in the Riverbend School District in Spotsylvania County, this home is perfect for families looking for a comfortable and convenient living space. Don’t miss your chance to own this remarkable home that offers a blend of practicality and privileges, all in a community you’ll love! Schedule your private tour today and see for yourself what makes this property so special!

5. 2025-01-26
   status Pending 1470-char remark

   Show marketing remark (1470 chars)

   Wow! The sellers are motivated to sell and have offered a dramatic reduction in price. If space is what you need don’t let the square footage turn you away. This home provides a plethora of space for large families. Doublewide driveway for parking. Upstairs is 3 bedrooms, 2 baths lower level is 2 beds, 1 bath and an unfinished half that contains laundry and outdoor exit. There is plenty of light from the full size windows on both the front and back rooms in the lower level. From upstairs you will exit out onto a brand new deck perfect for entertaining. The large fenced-in backyard offers privacy and room to play. The extra large shed features loft storage. Beautiful landscaping in both the front and back yards. This one owner home has been well maintained and loved. It’s ready for its new owners with Fresh paint, carpet, and flooring throughout. Newer appliances with a home warranty paid for by the seller you will have a year of worry free peace of mind. Upgraded windows with a lifetime warranty add value and efficiency. No HOA means no extra fees. Located in the Riverbend School District in Spotsylvania County, this home is perfect for families looking for a comfortable and convenient living space. Don’t miss your chance to own this remarkable home that offers a blend of practicality and privileges, all in a community you’ll love! Schedule your private tour today and see for yourself what makes this property so special!

6. 2024-12-26
   historical Active Under Contract 1470-char remark

   Show marketing remark (1470 chars)

   Wow! The sellers are motivated to sell and have offered a dramatic reduction in price. If space is what you need don’t let the square footage turn you away. This home provides a plethora of space for large families. Doublewide driveway for parking. Upstairs is 3 bedrooms, 2 baths lower level is 2 beds, 1 bath and an unfinished half that contains laundry and outdoor exit. There is plenty of light from the full size windows on both the front and back rooms in the lower level. From upstairs you will exit out onto a brand new deck perfect for entertaining. The large fenced-in backyard offers privacy and room to play. The extra large shed features loft storage. Beautiful landscaping in both the front and back yards. This one owner home has been well maintained and loved. It’s ready for its new owners with Fresh paint, carpet, and flooring throughout. Newer appliances with a home warranty paid for by the seller you will have a year of worry free peace of mind. Upgraded windows with a lifetime warranty add value and efficiency. No HOA means no extra fees. Located in the Riverbend School District in Spotsylvania County, this home is perfect for families looking for a comfortable and convenient living space. Don’t miss your chance to own this remarkable home that offers a blend of practicality and privileges, all in a community you’ll love! Schedule your private tour today and see for yourself what makes this property so special!

7. 2024-12-16
   price $430,000 1470-char remark

   Show marketing remark (1470 chars)

   Wow! The sellers are motivated to sell and have offered a dramatic reduction in price. If space is what you need don’t let the square footage turn you away. This home provides a plethora of space for large families. Doublewide driveway for parking. Upstairs is 3 bedrooms, 2 baths lower level is 2 beds, 1 bath and an unfinished half that contains laundry and outdoor exit. There is plenty of light from the full size windows on both the front and back rooms in the lower level. From upstairs you will exit out onto a brand new deck perfect for entertaining. The large fenced-in backyard offers privacy and room to play. The extra large shed features loft storage. Beautiful landscaping in both the front and back yards. This one owner home has been well maintained and loved. It’s ready for its new owners with Fresh paint, carpet, and flooring throughout. Newer appliances with a home warranty paid for by the seller you will have a year of worry free peace of mind. Upgraded windows with a lifetime warranty add value and efficiency. No HOA means no extra fees. Located in the Riverbend School District in Spotsylvania County, this home is perfect for families looking for a comfortable and convenient living space. Don’t miss your chance to own this remarkable home that offers a blend of practicality and privileges, all in a community you’ll love! Schedule your private tour today and see for yourself what makes this property so special!

8. 2024-12-03
   price $449,000 1470-char remark

   Show marketing remark (1470 chars)

   Wow! The sellers are motivated to sell and have offered a dramatic reduction in price. If space is what you need don’t let the square footage turn you away. This home provides a plethora of space for large families. Doublewide driveway for parking. Upstairs is 3 bedrooms, 2 baths lower level is 2 beds, 1 bath and an unfinished half that contains laundry and outdoor exit. There is plenty of light from the full size windows on both the front and back rooms in the lower level. From upstairs you will exit out onto a brand new deck perfect for entertaining. The large fenced-in backyard offers privacy and room to play. The extra large shed features loft storage. Beautiful landscaping in both the front and back yards. This one owner home has been well maintained and loved. It’s ready for its new owners with Fresh paint, carpet, and flooring throughout. Newer appliances with a home warranty paid for by the seller you will have a year of worry free peace of mind. Upgraded windows with a lifetime warranty add value and efficiency. No HOA means no extra fees. Located in the Riverbend School District in Spotsylvania County, this home is perfect for families looking for a comfortable and convenient living space. Don’t miss your chance to own this remarkable home that offers a blend of practicality and privileges, all in a community you’ll love! Schedule your private tour today and see for yourself what makes this property so special!

9. 2024-11-08
   listed $450,000 Active 1470-char remark

   Show marketing remark (1470 chars)

   Wow! The sellers are motivated to sell and have offered a dramatic reduction in price. If space is what you need don’t let the square footage turn you away. This home provides a plethora of space for large families. Doublewide driveway for parking. Upstairs is 3 bedrooms, 2 baths lower level is 2 beds, 1 bath and an unfinished half that contains laundry and outdoor exit. There is plenty of light from the full size windows on both the front and back rooms in the lower level. From upstairs you will exit out onto a brand new deck perfect for entertaining. The large fenced-in backyard offers privacy and room to play. The extra large shed features loft storage. Beautiful landscaping in both the front and back yards. This one owner home has been well maintained and loved. It’s ready for its new owners with Fresh paint, carpet, and flooring throughout. Newer appliances with a home warranty paid for by the seller you will have a year of worry free peace of mind. Upgraded windows with a lifetime warranty add value and efficiency. No HOA means no extra fees. Located in the Riverbend School District in Spotsylvania County, this home is perfect for families looking for a comfortable and convenient living space. Don’t miss your chance to own this remarkable home that offers a blend of practicality and privileges, all in a community you’ll love! Schedule your private tour today and see for yourself what makes this property so special!

10. 2024-08-27
    historical $450,000 1470-char remark

    Show marketing remark (1470 chars)

    Wow! The sellers are motivated to sell and have offered a dramatic reduction in price. If space is what you need don’t let the square footage turn you away. This home provides a plethora of space for large families. Doublewide driveway for parking. Upstairs is 3 bedrooms, 2 baths lower level is 2 beds, 1 bath and an unfinished half that contains laundry and outdoor exit. There is plenty of light from the full size windows on both the front and back rooms in the lower level. From upstairs you will exit out onto a brand new deck perfect for entertaining. The large fenced-in backyard offers privacy and room to play. The extra large shed features loft storage. Beautiful landscaping in both the front and back yards. This one owner home has been well maintained and loved. It’s ready for its new owners with Fresh paint, carpet, and flooring throughout. Newer appliances with a home warranty paid for by the seller you will have a year of worry free peace of mind. Upgraded windows with a lifetime warranty add value and efficiency. No HOA means no extra fees. Located in the Riverbend School District in Spotsylvania County, this home is perfect for families looking for a comfortable and convenient living space. Don’t miss your chance to own this remarkable home that offers a blend of practicality and privileges, all in a community you’ll love! Schedule your private tour today and see for yourself what makes this property so special!

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast VA · Resets to sale price

• Current annual tax: $2,123 · $177/mo
• Projected year-2 tax: $3,075 · $256/mo
• Expected delta: +$952/yr (+$79/mo · 44.9%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥105°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 15% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,144
• − Mortgage interest: −$21,006
• − Property taxes: −$2,123
• − Insurance: −$1,875
• − Repairs & maintenance: −$2,172
• − Management: −$2,172
• − Depreciation: −$10,909
• Taxable loss: −$13,112
• Est. tax savings @ 24.0%: +$3,147
• After-tax cash flow: $-3,006/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Spotsylvania County Public School District
• NCES district ID: 5103640
• Math proficiency: 54% ▼ -25.00%
• Reading proficiency: 71% ▼ -4.00%
• Median HH income: $78,321
• Composite: 55.79/100
• National rank: #1213
• State rank: #38 of 131 in VA

Livability — Spotsylvania Courthouse

• Score: 70/100
• State rank: #228
• US rank: #7688

Category grades

Amenities F Commute F Cost of living C- Crime A- Employment C+ Housing A+ Health & safety A+ User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Spotsylvania County · 138,364 people
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• Population (ZIP): 65,425
• Household income: $111,129
• Rent vs Own: 23.4% rent · 76.6% own
• Severe rent burden: 1234.0

Population outlook (Spotsylvania County) Hauer SSP2

• Today (2025): 146,292 people
• By 2030: 153,092 · +4.6%
• By 2040: 164,270 · +12.3%
• By 2050: 171,000 · +16.9%
• By 2075: 183,080 · +25.1%
• By 2100: 180,412 · +23.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 55% Black 19% Hispanic / Latino 16% Two or more races 11% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Romanian 2% Slovak 2% Italian 2%
• Foreign-born: 13% · Canada, China, South Korea
• Languages at home: 82% English-only · Spanish 11% Other Indo-European 2% French/Haitian/Cajun 1%

Political lean MEDSL · Spotsylvania

• 2024 margin: Lean R (+8.6) · D 45.1% · R 53.7% · Other 1.2%
• 2008→2024 swing: -1.7pp toward R · 2008: -6.9pp · 2024: -8.6pp
• All cycles: 2024: R+8.6 2020: R+6.8 2016: R+16.8 2012: R+11.5 2008: R+6.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -152.22%
• Current HPI: 265.7804
• Rent YoY: ▲ 1.30%
• Metro: Washington-Arlington-Alexandria, DC-VA-MD-WV
• State GDP YoY: ▲ 2.40%
• F500 in state: 50

Industry mix (Fortune 500 HQ in VA)

Industry	F500 HQs	Revenue
▸Aerospace / Defense	4	$236B
▸Technology / Defense	3	$32B
▸Financial Services	2	$176B
▸Utilities	2	$27B
▸Insurance	2	$25B
▸Technology	2	$15B

Price history

-16.7% since first listed

11 events — show timeline

• 2026-06-03 Pending — BRIGHT MLS
• 2026-05-26 Listing Removed — BRIGHT MLS
• 2026-05-13 Listed $375,000 BRIGHT MLS
• 2025-02-03 Sold (Public Records) $420,000 Public Records
• 2025-01-31 Sold (MLS) $420,000 BRIGHT MLS
• 2025-01-26 Pending — BRIGHT MLS
• 2024-12-26 Contingent — BRIGHT MLS
• 2024-12-16 Price Changed $430,000 BRIGHT MLS
• 2024-12-03 Price Changed $449,000 BRIGHT MLS
• 2024-11-08 Listed $450,000 BRIGHT MLS
• 2024-08-27 Coming Soon $450,000 BRIGHT MLS

Property tax history

+2.8%/yr

Latest (2025): $2,123 · +0.0% YoY. Source: county tax records.